STT Fundamental Analysis - STATE STREET CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to STT. STT was compared to 232 industry peers in the Capital Markets industry. Both the profitability and financial health of STT have multiple concerns. STT has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year STT was profitable.

In the past year STT has reported a negative cash flow from operations.

Each year in the past 5 years STT has been profitable.

In multiple years STT reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of STT (0.71%) is worse than 69.40% of its industry peers.

With a Return On Equity value of 9.98%, STT perfoms like the industry average, outperforming 59.05% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.71%
ROE	9.98%
ROIC	N/A

ROA(3y)0.73%

ROA(5y)0.75%

ROE(3y)9.34%

ROE(5y)9.21%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

STT has a Profit Margin of 20.26%. This is in the better half of the industry: STT outperforms 61.21% of its industry peers.

In the last couple of years the Profit Margin of STT has grown nicely.

The Operating Margin and Gross Margin are not available for STT so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	20.26%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.7%

PM growth 5Y2.25%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for STT has been reduced compared to 1 year ago.

STT has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, STT has a worse debt to assets ratio.

2.2 Solvency

STT has a Debt/Equity ratio of 1.51. This is a high value indicating a heavy dependency on external financing.

STT has a worse Debt to Equity ratio (1.51) than 71.12% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.51
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

STT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.58%, which is quite good.

Measured over the past 5 years, STT shows a small growth in Earnings Per Share. The EPS has been growing by 7.08% on average per year.

Looking at the last year, STT shows a quite strong growth in Revenue. The Revenue has grown by 9.71% in the last year.

STT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.

EPS 1Y (TTM)15.58%

EPS 3Y5.35%

EPS 5Y7.08%

EPS Q2Q%20.71%

Revenue 1Y (TTM)9.71%

Revenue growth 3Y2.63%

Revenue growth 5Y2.03%

Sales Q2Q%4.65%

3.2 Future

STT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.63% yearly.

Based on estimates for the next years, STT will show a small growth in Revenue. The Revenue will grow by 2.83% on average per year.

EPS Next Y10.13%

EPS Next 2Y10.27%

EPS Next 3Y11.33%

EPS Next 5Y8.63%

Revenue Next Year3.84%

Revenue Next 2Y3.55%

Revenue Next 3Y3.71%

Revenue Next 5Y2.83%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.01, the valuation of STT can be described as reasonable.

STT's Price/Earnings ratio is a bit cheaper when compared to the industry. STT is cheaper than 68.10% of the companies in the same industry.

STT is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 9.42 indicates a reasonable valuation of STT.

Based on the Price/Forward Earnings ratio, STT is valued a bit cheaper than 74.57% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.03, STT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.01
Fwd PE	9.42

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

STT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.09

PEG (5Y)1.55

EPS Next 2Y10.27%

EPS Next 3Y11.33%

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5. Dividend

5.1 Amount

STT has a Yearly Dividend Yield of 3.06%. Purely for dividend investing, there may be better candidates out there.

STT's Dividend Yield is comparable with the industry average which is at 8.07.

Compared to an average S&P500 Dividend Yield of 2.44, STT pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.06%

5.2 History

The dividend of STT is nicely growing with an annual growth rate of 6.74%!

STT has been paying a dividend for at least 10 years, so it has a reliable track record.

STT has decreased its dividend recently.

Dividend Growth(5Y)6.74%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

39.65% of the earnings are spent on dividend by STT. This is a low number and sustainable payout ratio.

The dividend of STT is growing, but earnings are growing more, so the dividend growth is sustainable.

DP39.65%

EPS Next 2Y10.27%

EPS Next 3Y11.33%

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STATE STREET CORP

NYSE:STT (6/20/2025, 8:04:01 PM)

After market: 99.6 -0.02 (-0.02%)

99.62

+0.32 (+0.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)04-17 2025-04-17/bmo

Earnings (Next)07-15 2025-07-15/amc

Inst Owners91.64%

Inst Owner Change0.59%

Ins Owners0.33%

Ins Owner Change1.77%

Market Cap28.75B

Analysts72.38

Price Target109.77 (10.19%)

Short Float %1.23%

Short Ratio1.74

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.06%

Yearly Dividend3.5

Dividend Growth(5Y)6.74%

DP39.65%

Div Incr Years1

Div Non Decr Years1

Ex-Date07-01 2025-07-01 (0.76)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)3.35%

Min EPS beat(2)0.96%

Max EPS beat(2)5.75%

EPS beat(4)4

Avg EPS beat(4)4.34%

Min EPS beat(4)0.96%

Max EPS beat(4)5.75%

EPS beat(8)8

Avg EPS beat(8)5.89%

EPS beat(12)11

Avg EPS beat(12)4.55%

EPS beat(16)15

Avg EPS beat(16)4.85%

Revenue beat(2)1

Avg Revenue beat(2)-0.15%

Min Revenue beat(2)-2.06%

Max Revenue beat(2)1.76%

Revenue beat(4)3

Avg Revenue beat(4)0.3%

Min Revenue beat(4)-2.06%

Max Revenue beat(4)1.76%

Revenue beat(8)5

Avg Revenue beat(8)-0.73%

Revenue beat(12)6

Avg Revenue beat(12)-0.75%

Revenue beat(16)10

Avg Revenue beat(16)-0.38%

PT rev (1m)4.48%

PT rev (3m)-5.02%

EPS NQ rev (1m)0.58%

EPS NQ rev (3m)-3.95%

EPS NY rev (1m)1.02%

EPS NY rev (3m)-2.79%

Revenue NQ rev (1m)0.15%

Revenue NQ rev (3m)-1.12%

Revenue NY rev (1m)0.19%

Revenue NY rev (3m)-0.94%

Valuation

		Industry Rank	Sector Rank
PE	11.01
Fwd PE	9.42
P/S	2.19
P/FCF	N/A
P/OCF	N/A
P/B	1.08
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)9.05

EY9.08%

EPS(NY)10.58

Fwd EY10.62%

FCF(TTM)-37.74

FCFYN/A

OCF(TTM)-34.55

OCFYN/A

SpS45.55

BVpS92.49

TBVpS61.97

PEG (NY)1.09

PEG (5Y)1.55

Profitability

		Industry Rank	Sector Rank
ROA	0.71%
ROE	9.98%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.26%
GM	N/A
FCFM	N/A

ROA(3y)0.73%

ROA(5y)0.75%

ROE(3y)9.34%

ROE(5y)9.21%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.7%

PM growth 5Y2.25%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.51
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	180.08%
Cap/Sales	7.01%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)103.02%

Cap/Depr(5y)79.65%

Cap/Sales(3y)6.67%

Cap/Sales(5y)6.31%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)15.58%

EPS 3Y5.35%

EPS 5Y7.08%

EPS Q2Q%20.71%

EPS Next Y10.13%

EPS Next 2Y10.27%

EPS Next 3Y11.33%

EPS Next 5Y8.63%

Revenue 1Y (TTM)9.71%

Revenue growth 3Y2.63%

Revenue growth 5Y2.03%

Sales Q2Q%4.65%

Revenue Next Year3.84%

Revenue Next 2Y3.55%

Revenue Next 3Y3.71%

Revenue Next 5Y2.83%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-392.17%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-321.26%

OCF growth 3YN/A

OCF growth 5YN/A

STATE STREET CORP (STT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens